Timberline Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.28 percentage points higher than in Q1 2026, at 92.88%. Timberline Bank ranks 30th of 63 Colorado banks on return on assets, in the upper half at 1.16% (Q2 2026). Timberline Bank reported 1.16% on return on assets for Q2 2026, 0.10 points below the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.01% |
| Tier 1 risk-based capital ratio | 12.01% |
| Total risk-based capital ratio | 13.26% |
| Tier 1 leverage ratio | 9.38% |
| Equity capital to assets | 8.23% |
| Tangible equity to tangible assets | 8.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.49% |
| Allowance for credit losses to loans | 1.20% |
| Reserve coverage of non-performing loans | 2092.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.16% |
| Return on equity | 14.14% |
| Net interest margin | 4.45% |
| Efficiency ratio | 63.23% |
| Yield on earning assets | 5.91% |
| Cost of funds | 1.51% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.88% |
| Core deposits to total deposits | 91.19% |
| Brokered deposits to total deposits | 6.00% |
| Deposits to assets | 84.02% |
| Securities to assets | 11.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.91% | 10.91% | 12.16% | 8.03% | 0.52% |
| Q4 2023 | 11.12% | 11.12% | 12.37% | 8.19% | 0.47% |
| Q1 2024 | 11.62% | 11.62% | 12.87% | 8.16% | 0.58% |
| Q2 2024 | 11.51% | 11.51% | 12.76% | 8.18% | 0.54% |
| Q3 2024 | 11.28% | 11.28% | 12.53% | 8.02% | 0.55% |
| Q4 2024 | 11.97% | 11.97% | 13.22% | 8.05% | 0.76% |
| Q1 2025 | 11.52% | 11.52% | 12.78% | 8.30% | 0.56% |
| Q2 2025 | 11.54% | 11.54% | 12.80% | 8.51% | 1.01% |
| Q3 2025 | 11.60% | 11.60% | 12.86% | 8.63% | 1.45% |
| Q4 2025 | 11.12% | 11.12% | 12.37% | 8.52% | 1.18% |
| Q1 2026 | 11.77% | 11.77% | 13.02% | 9.11% | 3.11% |
| Q2 2026 | 12.01% | 12.01% | 13.26% | 9.38% | 1.16% |
Timberline Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Timberline Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Timberline Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57857) · FFIEC NIC profile (RSSD 3271986)